*Annual Percentage Yield**Premium rates may be available for investments of $250,000 or greater.†Available for new investments only; funds may not be transferred from an existing or renewing AG Loan Fund investment.Effective April 1, 2019

Rates subject to change. Penalties may apply to redemptions prior to maturity.

This is not an offering to sell securities referred to herein and we are not soliciting you to purchase these securities. The offering is made only by the Offering Circular which includes risk factors. The Offering Circular may be obtained by writing or calling AG Loan Fund or by clicking here. An investment in AG Loan Fund involves certain risks that other investment options may not have. Not all risks can be quantified or compared to other investments. You should carefully evaluate all the risks in assessing the potential benefit of the various investments. AG Loan Fund investments are offered and sold only in states where authorized or exempt from authorization. Not available to new investors in Washington. Not available in Ohio. AG Loan Fund is an affiliated entity of AG Financial Solutions.

Not FDIC or SIPC Insured. Not a Bank Deposit. No AG Financial Solutions Guarantee.

*Annual Percentage Yield**Premium rates may be available for investments of $250,000 or greater.†Available for new investments only; funds may not be transferred from an existing or renewing AG Loan Fund investment.Effective April 1, 2019

Rates subject to change. Penalties may apply to redemptions prior to maturity.

This is not an offering to sell securities referred to herein and we are not soliciting you to purchase these securities. The offering is made only by the Offering Circular which includes risk factors. The Offering Circular may be obtained by writing or calling AG Loan Fund or by clicking here. An investment in AG Loan Fund involves certain risks that other investment options may not have. Not all risks can be quantified or compared to other investments. You should carefully evaluate all the risks in assessing the potential benefit of the various investments. AG Loan Fund investments are offered and sold only in states where authorized or exempt from authorization. Not available to new investors in Washington. Not available in Ohio. AG Loan Fund is an affiliated entity of AG Financial Solutions.

Not FDIC or SIPC Insured. Not a Bank Deposit. No AG Financial Solutions Guarantee.

How would you like to invest?

Individuals

Churches and Ministries

This is not an offering to sell securities referred to herein and we are not soliciting you to purchase these securities. The offering is made only by the Offering Circular which includes risk factors. The Offering Circular may be obtained by writing or calling AG Loan Fund or by clicking here. An investment in AG Loan Fund involves certain risks that other investment options may not have. Not all risks can be quantified or compared to other investments. You should carefully evaluate all the risks in assessing the potential benefit of the various investments. AG Loan Fund investments are offered and sold only in states where authorized or exempt from authorization. Not available to new investors in Washington. Not available in Ohio. AG Loan Fund is an affiliated entity of AG Financial Solutions.

Not FDIC or SIPC Insured. Not a Bank Deposit. No AG Financial Solutions Guarantee.

AG Loan Fund is an affiliated entity of AG Financial Solutions, one of the nation’s largest church investment and lending institutions.

Term Certificates have maturities ranging from six months to ten years. The minimum investment is $500. To qualify for premium rates, a minimum investment of $250,000 or more is required per investment certificate.

IRAs are an effective way to save for retirement. For many individuals, they are a great alternative or supplement to other retirement plans and are available for those wanting to roll over their current 401(k) or 403(b) investments.

Laddering your investments reduces your exposure to interest rate fluctuations, while your investments mature according to your ministry needs. Use our Ladder Investment Calculator as a tool to help you get the highest rate of return possible.

AG Loan Fund investments are not insured or guaranteed by SIPC, FDIC, or any other federal or state authority or regulatory agency, or any other person or entity. No AG Loan Fund investor has ever experienced a loss of investment or missed receiving an interest payment. However, as with any investment, past performance is no guarantee of future returns.

The Offering Circular helps you make an informed investment decision. It includes the history of AG Loan Fund, its policies and procedures, and last three years of financials. When you open an investment, you agree to the Offering Circular’s terms and conditions.

To see your accounts or investments online, you must first set up a user ID and password. Enter your full SSN as your temporary User ID and the last four digits of your SSN as your temporary password. You will then be taken through the online access setup where you will create a new user ID and password.Get started >>

Access your account(s) and/or investment(s) is permitted via a completed authorization form, signed by your institution’s authorized signer (senior pastor for churches) and submitted to Client Services by email, fax, or mail. The form may be obtained by contacting Client Services.

Investing

A minimum balance of $250 must be maintained for Demand Certificates and all other investments must maintain $500 minimum in order to keep the investment open.

You can make an additional investment to your Demand Certificate at any time with a personal check or electronic transfer from your bank. Funding your Demand Certificate by electronic transfer can be done through Online Access. Adding funds to all other AG Loan Fund Investments can be made only when the investment reaches maturity. Upon maturity, you will have a 10-day grace period to add funds to your existing investment.

Monthly automatic investments can be made to Demand Certificates and Adjustable Rate IRAs. The minimum for each is $50 per month.

Redemptions must be requested in writing and the requests must be signed by the owner(s) or other authorized parties. Requests can be mailed, faxed to Client Services at 417.520.3606, or scanned and sent as an email attachment to ClientServices@agfinancial.org. Redemptions for Term Certificates are available by check, bank wire, or Electronic Funds Transfer (EFT) with proper authorization forms on file with AGFS. Demand Certificates also allow for redemption requests by phone and through Online Access if two signatures are not required.

Interest

For Demand Certificates and Term Certificates (6 months to 5 years), interest can be paid monthly, quarterly, semi-annually, or annually. A minimum balance of $10,000 is required for monthly payments. For IRAs, any amount can be paid monthly, quarterly, semi-annually, or annually.

Interest accrues daily and compounds monthly.

Maturity

A maturity notice is mailed approximately 30 days prior to the investment’s maturity date.

Our current policy is to impose an early redemption penalty of 2% of the principal amount of the investment certificate redeemed prior to maturity. Term certificates allow investors to borrow against their balance; contact us for more information.